Post on 08-Jul-2020
Money. It’s one of the top three causes
of conflict in relationships. It’s a subject
that can drive a debilitating wedge
between two people who, otherwise,
are perfectly in tune with each other.
To keep the peace in your relationship,
follow the three Cs of financial harmony,
provided by BALANCE—a financial
fitness program available to members at
no cost to you. Simply call 1-888-456-
2227 for more tips.
Communicate: Start by talking about
your individual money styles. What
do you like about the other person’s
attitude toward money? What parts of
your partner’s money personality don’t
you like? You might tell an overspender
you like his spontaneity and generosity,
but you fear he will neglect important
financial goals unless he sticks to a
budget.
Compromise: Having expressed your
concerns about current behavior, discuss
the facts surrounding the situation. What
are each partner’s goals? Start moving
toward the middle, with each person
making certain concessions that bring
the team closer together.
Commit: In the interest of saving an
otherwise good relationship, you may
have to change the way you have been
doing things. Change is not easy—it
takes commitment. You may even want
to separate finances completely. If there
are good reasons to keep some of your
money together, make arrangements that
require both partners’ approval before
money is withdrawn or keep the balances
low enough that one person’s indiscretion
won’t damage your overall financial
health or the health of your relationship.
2 hand2hand 3 TFCU Financial Advisors Scholarship Contest 4 reduce summer utility billsin this issue:
1
money’sworthmoney’sworthmoney’sworthmoney’s for TFCU Members
Volume 5 July 2012
restore and maintain
financialharmony
Remember roadtrips? The wind in
your hair, freedom of the open road,
complete lack of plans—you could just
fill up the tank and Get Going!
You can Get Going this summer
with a low-rate auto loan from TFCU.
Trucks, boats, motorcycles and personal
watercraft are welcome, too—new or
used.
And, we’re giving away gas for a year!
That’s a lot of sunsets to drive off into.
Register now through July 31, 2012 for
your chance to win. You can register
at any of TFCU’s 25 branches and at
GetGoingLoans.com.
For official contest rules and to learn
more about TFCU’s low-rate loans, visit
GetGoingLoans.com.
money’sworth2
get going with TFCU
enhancing our community
with hand2handTFCU’s volunteer initiative
2
get a deal on a TFCU repoStop by TFCU’s repo lot, located behind the Midwest City West branch. For more
information, call (405) 732-0324 ext. 2886 or 1-800-456-4828 ext. 2886, or visit
our website at www.TinkerFCU.org. The TFCU repo lot is open Monday - Friday
1-5 p.m. and Saturday 9 a.m. until noon.
TFCU gave back to the community during a week-long volunteer campaign
named hand2hand. 160 employees donated time to local non-profit organizations
throughout the state during the week of May 14.
“Our goal this year was to add various activities to hand2hand so everyone would
have an opportunity to volunteer,” Jessica Kieffer, hand2hand coordinator, said. “We
added activities that could be completed in the branch, in groups or at home. We had
a huge success with this minor change, especially with the diaper drive benefiting the
Center for Children and Families.”
Friends and family of TFCU employees also had the opportunity to volunteer by
spending a day repairing and cleaning a house in an underserved area of Oklahoma
City with Central Oklahoma Habitat for Humanity.
Other area non-profits receiving hand2hand support were the Regional Food
Bank of Oklahoma, The Children’s Center, Daily Living Center, City Rescue Mission,
Oklahoma City Salvation Army Distribution Center, The Center for Children and
Families, Ronald McDonald House, Infant Crisis Center, YWCA, American Heart
Association, Central Oklahoma Humane Society, Positive Tomorrows, Boys and Girls
Club of Oklahoma County, Second Chance Animal Sanctuary, PAWS Animal Shelter in
Ada, and Horizon Animal Heroes in Tulsa.
MoneyPlus™
Card offersconvenience Using your TFCU MoneyPlus™ Card is
more convenient than writing a check
and safer than carrying cash. When
you use your card, it means personal
information like your address, phone
number and driver’s license number stay
confidential.
MoneyPlus is accepted at over 11
million merchants worldwide and
purchases are automatically deducted
from your checking account. You can
also use your card as an ATM card at
all TFCU ATM locations and over 1,200
TransFund ATMs.
There is no monthly or annual fee
and no charge from TFCU for making
deposits, withdrawals or transfers.
Volume 5 July 2012 3
students can enter
to win a break
TFCU will award a grand prize
$2,000 travel voucher to one college
student and a $500 travel voucher
to one college student at each of
our partner schools during our 2012
Win Your Break promotion.
From August 1 through September
15, 2012, any college student 18
and over can register online at
www.BuckTheNorm.com.
Winners will be selected from
the following schools that make
TFCU membership available
to their students: East Central
University, Langston University (OKC
Campus), Metro Technology Center,
Oklahoma City Community College,
Oklahoma Christian University,
Oklahoma City University, Oklahoma
State University, Oklahoma State
University – OKC, Rose State
College, Seminole State College,
Southern Nazarene University, St.
Gregory’s University, University of
Central Oklahoma and Wes Watkins
Technology Center and all other
schools.
Proof of enrollment is required for
eligibility.
TFCU will award 17 winners with atravel voucher.
Kids, we’ve got a great way for you
to have some fun and, maybe, win
money for your college tuition. Enter the
2012 Scholarship Contest by creating a
picture of what you want to be when
you grow up. Older students will also
complete a short essay. TFCU Financial
Advisors will award one creative
member a $500 scholarship in each of
four age categories, and TFCU will give
a $250 honorable mention in each. This
contest is for TFCU members only.
Entering is easy. Simply download an
entry form at www.TinkerFCU.org or
pick one up at a TFCU branch August
1 through September 30. Follow the
instructions, and turn the entry in by the
end of business on September 30. We’ll
have winners in each of these four age
categories:
• ages 6 and under
(as of January 1, 2012)
• ages 7 to 11
(as of January 1, 2012)
• ages 12 to 14
(as of January 1, 2012)
• ages 15 to 18
(as of January 1, 2012)
Kids who have a SaveAbles account
will receive the entry form with their
Summer 2012 The SaveAbles newsletter.
You can find complete details on the
back of the entry form.
August 1, 2012
contest begins
win $500 scholarship
Securities are offered through RAYMOND JAMES FINANCIAL SERVICES, INC., member
FINRA/SIPC, an independent broker/dealer, and are not insured by the NCUA, not federally
insured, or insured by any other government agency, are not deposits or obligations of
the credit union, are not guaranteed by the credit union or any affiliated entity, and are
subject to risk, including possible loss of principal. Tinker Federal Credit Union and TFCU
Financial Advisors are independent of Raymond James Financial Services, Inc.
4 money’sworth
locations, numbers & hoursAda1620 Lonnie Abbott Blvd.
Bethany 6750 N.W. 39th Crooked Oak
Crooked Oak High School Campus open to Crooked Oak students, faculty and staff Hours: 10:40 – 12:30 a.m.
Edmond1401 N. Kelly
Edmond, East3141 S. Bryant
Enid 801 S. Oakwood
Midwest City
6501 Tinker Diagonal
Midwest City, East 1401 S. Post Road
Moore 400 S.W. 6th
Norman, East 1131 12th Ave., N.E.
Norman, West 301 36th Ave., N.W.
Oklahoma City, Metro Tech 1800 Springlake Drive, Suite 200 Lobby Hours: Monday - Friday 7:30 - 3:30
Oklahoma City, Northeast 1177 N.E. 23rd
Oklahoma City, Northwest 4626 N.W. 39th
Oklahoma City, Southwest9601 S. Pennsylvania
Oklahoma City, SouthwestDrive-Thru1200 S.W. 89th
Seminole2221 N. Milt Phillips Blvd.Lobby & Drive-Thru HoursMonday - Thursday 9:00 - 5:00Friday 9:00 - 6:00Closed Saturday
Choctaw Express14453 N.E. 23rd
Enid Express215 W. Owen K. Garriott
Oklahoma City Express, Southwest1200 S.W. 89th
Oklahoma City Express, West4140 W. I-40
tfcu express electronic service centers
For a complete list of Credit Union Service Center locations, visit www.tinkerfcu.org, and click on Locations, Numbers & Hours.
Standard Lobby Hours:Monday - Thursday 9:00-5:00Friday 9:00-6:00Saturday 9:00-noon
Standard Drive-Thru Hours:Monday - Thursday 8:00-6:00Friday 8:00-6:30Saturday 8:00-noon
P.O. Box 45750, Tinker AFB, 73145(405) 732-0324 OKC(918) 592-0324 Tulsa(405) 707-7440 Stillwater(580) 310-0324 Ada(580) 233-3330 Enid1-800-456-4828www.tinkerfcu.org
credit unionservice centers
Federally insured by NCUA
Shawnee3923 N. Harrison
Stillwater 5101 W. 6th
Tinker AFB, Area A Bldg. 420 Lobby Hours: Monday - Friday 7:45 - 4:30 Drive-Thru Hours: Monday - Friday 7:00 - 5:00
Tinker AFB, Area C-1 NorthBldg. 3001 Post Y-92Lobby Hours: Monday - Friday 6:45 - 4:30
Tinker AFB, Area C-2 South Bldg. 3001 Post Y-32Lobby Hours:
Monday - Friday 8:00 - 4:00
Tulsa8920 E. 61st Street, South Tulsa Downtown 702 S. Main Avenue Lobby & Drive-Thru HoursMonday - Thursday 9:00 - 5:00Friday 9:00 - 6:00Closed Saturday
Vance Air Force Base 234 Fields Street Lobby Hours: Monday - Thursday 9:00 - 5:00 Friday 8:00 - 5:00 Drive-Thru Window Hours: Monday - Thursday 9:00 - 5:00 Friday 8:00 - 5:00 Closed for lunch 1:00 - 2:00 p.m.
Yukon 11209 W. RenoTFCU Financial Advisors6501 Tinker Diagonal, MWC (405) 737-0006 Office Hours: Monday - Friday 9:00 - 5:00
simple steps to
utility bills
reduce summer
We all want to save money. Especially
during the summer months when large
utility bills can arrive in the mail. Here are
a few cost saving tips that will help keep
money in your pocket but won’t sacrifice
your comfort.
Use fans. Overhead fans can keep cool
air circulating and lighten the load of the
air conditioning unit.
Seal up leaks. Cool air escapes through
leaks in windows and doors. If you spot
problem areas, seal them with foam or
caulking.
Add insulation. If you live in an older
home, consider adding insulation to your
attic. Some insulation is eligible for federal
tax credits.
Regularly inspect your air
conditioner. Making sure your system
is fully charged and leak-free will ensure
it operates as efficiently as possible.
Changing air filters can also help.
Close blinds, doors and vents. Closing
the blinds when you’re not home can keep
the sun from heating up rooms. If you
won’t be using a room, close off the vents
and shut the door.